AD&D result · September 3, 2026
$305,000 in AD&D Claim for a Pedestrian Death of Undetermined Manner
Life Claim represented the husband of a woman who was struck and killed while walking along a highway after her car ran out of gas. She was insured for accidental death and dismemberment under an employer group plan with Prudential.
Her toxicology was negative, but the coroner listed the manner of death as undetermined rather than accident. Prudential seized on that and denied the claim, saying it could not conclude the death was accidental.
We appealed, and Prudential reversed its denial and paid the full accidental death benefit, more than $305,000.
Every case is different, and past results do not guarantee a similar outcome.
